Frequently Asked Questions

Everything you need to know before and after signing up for O'NA HealthCare™ coverage.

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How Do I Enroll?

Simply apply online at your convenience. You will be notified within 48 hours of approval to your application and plan amount. You may auto-enroll at that time or speak to a Membership Advisor if you have additional questions.

What Is O’NA HealthCare™? Is This Like A Christian Co-Operative? Does This Work Like Insurance?

O’NA HealthCare™ is a non-profit co-operative healthcare system that offers a high deductible–catastrophic health & wellness coverage that works just like an insurance plan.

How Is O’NA HealthCare™ Different From Other Healthcare Plans?

O’NA HealthCare™ offers a wider range of options in healthcare to its Members, including conventional, naturopathic and holistic solutions.

What Types Of Plans Are Available?

O’NA HealthCare™ offers high deductible Individual and Group plans. Individual Plans with an optional Health Savings Account are available for individuals, two-party, families (3 or more individuals of the same household*). Our Group Plans include Health Savings Account and are available to small employer group/business owners of 50 or less. *Dependent children are eligible to be part of a family plan until age 26, if living in the same household.)

How Do I Obtain More Information For My Business?

Is The O’NA HealthCare™ Plan Available Nationally?

Yes. Available in all 50 States. It is very attractive for companies offering plan coverage for employees residing in multiple states.

Does This Qualify For An HSA?

YES…Not only does it qualify, but we offer an HSA option that is convenient to enroll during enrollment or right from your Member Portal. An HSA provides additional tax benefits and we encourage you to take every tax advantage available to you.

Does O’NA HealthCare™ Plan Cover Pre-Existing Conditions?

On the Individual Plan, pre-existing conditions may be covered although a temporary or permanent conditional acceptance waiver may be required. Most waivers are removed after the Member successfully follows and completes a protocol that addresses the health issue in question. Pre-existing conditions are covered on the Group Plan.

Does The Plan Cover The Health And Wellness Treatments And Services That I Use?

Most likely. We cover conventional, complementary and alternative care including naturopathic, homeopathy, chiropractic, reiki, acupuncture, indigenous, Ayurveda, plus biological holistic dental care wellness, and more.

Does The Plan Cover Preventative Care? Allergies? Physical Therapy? Durable Medical Equipment? Pregnancy?

Yes. All of these are included in our plan. There may be limitations for certain conditions and can be found in the Plan Document.

Does The Plan Include Prescribed Medications?

Yes. Prescribed medications are allowed toward your Maximum Out of Pocket. There may be limitations to the type of medication and duration.

Does The Plan Cover Dental?

Yes. As part of our wellness care, we have added coverage for biological/holistic dental care wellness with an annual $1000 maximum per individual.

Are Nutritional Supplements Covered On My O’NA HealthCare™ Plan And If So, How?

Nutritional Supplements are covered in your O’NA HealthCare™ Plan in the following two ways: (1) You may deduct up to $750.00 per plan year per individual of your preferred nutritional supplements from your Maximum Out of Pocket. Not all nutritional supplements are of good quality and it is almost impossible without costly testing to demonstrate proof of efficacy. That said, taking a good quality broad spectrum multi-vitamin and a small selection of other, more specific supplements may be beneficial to your health. It is always better to speak with a professional healthcare specialist than to give in to marketing hype and attractive looking labels. (2) You will be covered for unlimited use of a nutraceutical that is “prescribed/recommended” by a healthcare professional that is of high quality, medicinal grade, and medically necessary. O’NA HealthCare™, as with prescription drugs, may require you to purchase an equally efficacious supplement that is available at a lower price. Your GoodRx card may enable you to save money and O’NA HealthCare™ may have listings of suitable nutritional supplements. In short, #1 above is intended to provide a maintenance program for your health while #2 is intended to be used when recommended by a healthcare professional in response to your specific health need.

Do I Have To Be Native American To Join?

No! Anyone can apply for coverage with O’NA HealthCare™. O’NA HealthCare™ is a non-profit healthcare co-operative protected under Native American sovereignty. By becoming a member, you are also accepting affiliation with our tribe in order to receive the benefits we enjoy.

How Does This Benefit The Tribes You Work With?

A portion of your enrollment and monthly plan payment is given to the Tribe(s) in exchange for the tribal resolution that gives us the tribal protection needed to offer you so many options.

Am I Covered When I Travel?

While anywhere in the US, you are always covered. Because allowed medical costs are based on approved US government standards, we are able to manage and negotiate expenses. Therefore, we highly recommend anyone traveling outside the country to consider travel insurance.

Is The Plan PPACA Compliant? Does It Protect Me From The Obamacare Penalty?

YES. You receive a Tax exemption letter from the United Cherokee of Nations – Aniyvwiya.

Can I Enroll Anytime, Or Only During Open Enrollment?

You can enroll any day of the year. There are no restrictions as to when you can begin receiving coverage from O’NA HealthCare™

Can I Start Coverage Anytime In The Month?

You may choose to start your coverage on the 1st or 15th of any month.

How Much Does The O’NA HealthCare™ Plan Cost? How Often Do Rates Go Up?

Our plan rates have not changed since 2014. Monthly plan rates vary starting at $163 for an Individual 34 and younger. If you remain healthy while on the plan, your rates may not change at all.

Can I Cover Just My Child Or Children?

Yes, until the age of 26.

Can Non-Traditional Families Be Covered?

Yes. We recognize blended and “non-traditional” families and cover them in the same way as so-called “traditional” family units.

I Have A Lower Deductible On My Current Plan, Why Is O’NA HealthCare™ A Better Option For Me?

We can’t guarantee that O’NA HealthCare™ will be the best choice for everyone but typically, the overall cost is less expensive than that of a traditional high and low deductible health insurance plans (HDHP). Having an HDHP allows greater flexibility over how you use your health care dollars, especially when combined with a Health Savings Account. Even if the cost is similar, you will still benefit from the freedom to choose and use the provider, treatment, and facility of your choice, including traditional allopathic and natural holistic alternative care.

What Exclusions Are There In Meeting My Maximum Out Of Pocket Costs?

Medically unnecessary, and non-covered or ineligible expenses found in the Plan Document.

Are Copays And Deductibles Part Of The Coverage?

There are no copays. Maximum Out of Pocket (deductibles) costs are $5000 for an individual and $10,000 for a two-party or family. When an individual reaches or pays $5,000 out of pocket, 100% of their expenses are eligible for coverage and payments. Each person is treated as an individual.

Do Monthly Plan Payments Count Toward My Maximum Out Of Pocket Costs?

Similar to a traditional health insurance plan, monthly payments are the costs associated with your membership or policy and do not count toward your O’NA HealthCare™ Maximum Out of Pocket costs.

If Monthly Membership Costs Change, How Far In Advance Will I Be Notified?

Members will receive a minimum 30-day notice of any changes to the fee schedule.

Is Policy Renewal Guaranteed? What Event Would Cause O’NA HealthCare™ To Terminate My Coverage?

A Member will be removed from being entitled to receive coverage if they stop paying their monthly membership fees, do not adhere to the O’NA HealthCare™ Membership Agreement into the Native American Tribal Community, improperly disclose appropriate medical information, or commit fraud or a felony.

What Is Medical Tourism?

Medical Tourism allows you to travel outside of your home city, state, or country to acquire medical treatment. Because O’NA HealthCare™ does not have an In Network restriction, we can utilize the power of Medical Tourism.

Will Hospitals/Doctors Accept This Plan? Do I Have Emergency Or Catastrophic Coverage?

Yes. Medically necessary emergencies are covered. Hospitals and doctors accept our plan all over the country.

What Process Should I Go Through During A Medical Emergency?

Proceed immediately to the nearest medical facility. All emergency claims are to be submitted to O’NA HealthCare™.

What Do You Mean By You Have The Largest Network?

O’NA HealthCare™ does not have a Network like traditional insurance plans. The O’NA HealthCare™ open network includes conventional and alternative healthcare providers from coast to coast in which members may participate regardless of where they live.

How Am I Reimbursed When Something Happens?

You provide your O’NA Membership Card at time of service. We prefer to have the provider send their bill directly to us so that we can determine usual and customary costs for services. If a doctor is not part of our exclusive O’NA HealthCare™ ACP network, claims can be sent to O’NA via mail, FAX or our electronic portal once registered. We send you and the provider a copy of the Explanation of Benefits showing payment responsibility. Once you receive your Explanation of Benefits you should pay upon receipt if you have not met your Maximum Out of Pocket costs. If you have met your Maximum Out of Pocket costs for the year, O’NA HealthCare™ will pay your provider directly.

If I Need Treatment, Do I Need To Be Pre-Approved? What Happens If I Don’t Get Pre-Approval Or If It’s An Emergency Situation?

For most general treatments, you should contact 24/7 Teladoc first. They may refer you to a practitioner as appropriate. Pre-authorization for all inpatient and outpatient surgical procedures, any health screenings not per plan other than wellness care as outlined in the Plan Document is required, except in the case of an emergency.

What Happens In The Event Of A Catastrophe? What Is The Maximum Coverage? (Per Event, Per Year, Lifetime).

Our maximum coverage is $1M per plan per year, per event.

Is My Personal Information Safe?

Yes. O’NA HealthCare™ subscribes to the safest practice of encryption and protection of your personal and medical information beginning with the submittal of your application on our secure website, to storing information on our secure servers. We meet all HIPAA rules and regulations.

How Does A Medical Practitioner Join O’NA HealthCare™ Approved Circle Provider Network?

Because O’NA HealthCare™ is committed to providing the highest quality of healthcare, all Practitioners seeking to become part of the network must submit an online application for approval. Once accepted by O’NA HealthCare™, a Practitioner becomes an Approved Circle Provider. To become an ACP, visit for further details.

What Benefits Do I Receive When Using A Medical Practitioner From The Approved Circle Provider List?

An ACP will most likely use more of an integrative approach to treatments and services, focusing on treating causes rather than symptoms. They will also be pre-approved for custom, cutting edge and alternative therapies and treatments. Most practitioners are limited to traditional insurance and government reimbursement guidelines.

My Company Already Has A Self-Insured Health Plan. What Possible Benefits And Drawbacks Might There Be In Converting Over To An O’NA HealthCare™ High Deductible Health Plan?

Major benefits may include: (1) Lower monthly or overall costs. (2) Members have the freedom to use a provider, treatment, and facility of their choice, including traditional allopathic medicine and natural holistic alternative medicine, which is typically not covered by traditional health insurance plans. (3) There is no out of network. Members can receive treatments anywhere in the country whether they become sick on travel or wish to utilize our Medical Tourism program. (4) Members have 24/7 access to providers.

If An Employee Leaves The Company Or Loses Their Job Can They Remain On The Plan?

Yes. This is a great benefit to employees. As an individual plan their monthly cost may be less. They can also keep and transport their HSA.

I Am An Insurance Agent/Broker, Can I Sell This Plan?

Yes. O’NA HealthCare™ is an example of a paradigm shift in healthcare provision. Because it is not strictly health insurance in the traditional sense, we do not require a broker or agent to sell this plan. We have enlisted Membership Advisors to provide input on the suitability of O’NA HealthCare™ and to make sure that it suits the applicant’s healthcare wants and needs.

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